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Extended Payment
Plans:
For major dental care, we offer a 90 day
interest-free payment plan.
0 % Financing
 For those patients who are interested in
a longer payment plan, we are proud to offer 0% FINANCING
administered through CareCredit.
Please don't hesitate to ask if you have
any questions.
Dental Insurance Q&A
| Q |
Why doesn't my insurance cover the total cost of my dental treatment? |
| A |
Dental insurance isn't really insurance (i.e., payment for the cost of a loss). Dental insurance is actually a benefit, usually provided by an employer, to help employees pay for routine dental treatment. The employer usually buys the plan based on the amount of the benefit and the cost of the premium per month. Most benefit plans are designed to assist healthy patients cover a portion of the total cost of their treatment. |
| Q |
But my plan says that my exams and certain other procedures are covered 100 percent. |
| A |
That 100 percent generally refers to what the insurance carrier allows as payment toward the procedure, not what your dentist or any other dentist in your area may actually charge for that service.
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| Q |
I received an Explanation of Benefits from my insurance carrier that says my dental bill exceeded the "usual and customary." Does this mean that my dentist is charging more than he/she should? |
| A |
Many carriers refer to their allowed payments as UCR, which stands for "usual, customary, and reasonable." UCR is actually a listing of payments for treatment negotiated by your employer and the insurance company. The payment listing is related to the cost of the premiums and the geographical area where you live. In almost all cases, payments are usually much less than what any dentist in your area may actually charge for these procedures.
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